i'm probably just going to repeat what has already been said, but if you need another opinion....
RAW images
1. catalogued and organised in Adobe Lightroom Classic
2. edited RAW images exported as jpeg to Google Drive (200GB @ £2.50 month)
3. original RAW files & catalogue files etc backed up each night using iDrive (10TB of data @ $99 year)
workstation
1. all drives (whole system, OS and data) backed up each night using iDrive (10TB of data @ $99 year)
snaps (phone images, point & shoot, etc)
1. stored on device
2. synced to google photo's
3. phone backed up using iDrive (10TB of data @ $99 year)
whilst approx £10 a month is certainly more than some of the free options out there, it works for me. RAW files (especially merged shots) and video certainly eat through those free allowances. but i make use of Google Photos for the everyday stuff. It has tools for detecting duplicates etc, which has helped tidy things up for me. Plus i like the little notifications that it sends, showing you old pics etc.
Then i use iDrive for the heavy lifting. It is a like for like backup of whatever you throw at it. I've got 9TB of storage on my workstation, so essentially any device has a copy on the device, on the PC and on the cloud.
The only risk i see is that at some point the subscription would increase. However the market is so competitive that i'm confident that prices will stay affordable.
Along with the peace of mind, I also don't have to faff about with stuff anymore. The only manual tasks I have are the exported jpeg files to Google Drive, but that is simply a drag and drop of a folder to the cloud - and wait until it completes. In reality, it's overkill - as the jpegs usually end up on Flickr, or somewhere else, and are backed up via iDrive too.
Sorry, finally, if you don't fancy having to upload a shedload of data during the initial setup of iDrive, you can pay for them to send you an external harddrive, which has some tools to backup all the required data, and you ship it back to them. it took me an evening (+through the night) to do this, but it is an unattended task, so it's just a case of waiting for it to complete. Your mileage may vary depending on speed of disks/amount of data, naturally. The drive ships from the US, by UPS i think - so was pretty quick, but you may need to pay import taxes initially. This can be claimed back though as you are not importing goods - they are here temporarily, but it wasn't a deal breaker for me in the grand scheme of things.
Hope that helps